Financial Independence (FI) Tracker

Step 1: Your Financial Snapshot & FI Goals

Personal & Income

Assets & Liabilities

Stocks, bonds, retirement accounts, rental equity generating income, etc.
E.g., primary home equity if considered separately, valuable collectibles.
Student loans, credit cards, personal loans.

FI Goal & Investment Plan

In today's dollars. Defaults to current expenses.
After inflation (e.g., 5-7%).

Step 2: Years to Financial Independence Projection

This projection uses your current invested assets, annual savings, expected real return, and FI Number calculated in Tab 1.

Enter 0 if your annual savings amount will stay the same (in today's dollars).

Step 3: Your FI Progress Summary

Complete calculations on Tab 1 and Tab 2 to see your summary.

Progress to FI Number: 0%

0%

Key Factors for Your FI Journey:

  • Savings Rate: The higher your savings rate, the faster you build investable assets.
  • Investment Returns: Consistent, reasonable real returns significantly impact your growth over time.
  • Managing Expenses: Keeping your desired retirement spending realistic affects your FI Number.
  • Consistency: Regularly saving and investing is crucial.
  • This tool provides estimates. Market conditions and personal circumstances can change. Review your plan periodically.
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